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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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IND - claim form for halifax card debt***Claim Dismissed & Costs awarded***


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Hi all

 

Just need a clarification around the statutory time limit for responding to a S77/78 CCA Request.

 

Halifax have been chasing for a couple of years on an alleged credit card debt.

 

In the last 2 years this has bounced backwards and forwards between them and Blair Oliver and Scott and is now with our old friends Moorcroft.

 

Moorcroft have sent a fair few of their automated threatograms, from their "Pre-Court Division" and now from their "Home Collections Division".

I have responded to that with a "you do not have my permission to send anybody round" plus a S78 CCA request.

 

The CCA request was dated Monday (4th January) and posted by SD the same day.

Due to the weather it was not delivered until this morning.

(I am getting my money back from the Post Office!).

 

my question is

when does the clock start ticking and for how long?

 

Is it 12 calendar or 12 working days?

And from when?

Monday when it was posted or today when they got it?

 

Thanks

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The + 2 days is to allow for service by post where service is deemed to take place on the second working day after posting (CPR 6.26)

- in this case we know when service took place

(I've got the Track and Trace confirmation that it has been delivered)

the +2 days can be ignored.

 

 

My question was

whether it is calendar or working days that are to be allowed, and this has been answered.

 

In any event, they've got until Tuesday 26th Jan to respond.

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  • 3 weeks later...
  • 2 weeks later...

After over a month (well outside the 12+2 days) I have received the attached.

Its obvously taken them a while to reconstruct it!

 

On first glance it appears to be part of an application form, contains no prescribed terms and does not include all the terms and conditions.

 

Anybody have any thoughts as to whether they have complied or not and as to the reply that should be sent?

 

NB - the white bits on the third page are where personal info from the front page has shown up on the scan.

CCA Response.pdf

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12 working days from the date of receipt

 

its 12+2 days.
I really wish people would read the posts properly before attempting to correct, it is 12 days from receipt (the two days is to allow for the receipt)

 

After over a month (well outside the 12+2 days) I have received the attached. Its obvously taken them a while to reconstruct it!

 

On first glance it appears to be part of an application form, contains no prescribed terms and does not include all the terms and conditions.

 

Anybody have any thoughts as to whether they have complied or not and as to the reply that should be sent?

 

NB - the white bits on the third page are where personal info from the front page has shown up on the scan.

 

I would say it isn't enforceable, not all of the prescribed terms are present (right to cancel anyone?)

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  • 3 years later...

After three years of silence things have now moved on to a letter from IND, who claim to have had the alleged debt assigned on 7 July 2011.

 

I have dug out the file and the account has been in dispute since 13th February 2010 (see above) - aside from that I have further grounds for defence which, knowing that IND has its trolls on here, I'm not going to discuss at the moment.

 

Advice on proceeding would be appreciated - not proposing at the moment to do anything other than sit tight and wait.

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Hi all, I previously had a thread running about dealings with Moorcraft over an alleged debt with Halifax. http://www.consumeractiongroup.co.uk/forum/showthread.php?241155-HBOS-Moorcroft-CCA-request-sent

 

After three years of silence things have now moved on to a letter from IND, who claim to have had the alleged debt assigned on 7 July 2011. (I've never had a notice of assignment from anybody!)

 

I have dug out the file and the account has been in dispute since January 2010 (see above) - aside from that I have further grounds for defence which, knowing that IND has its trolls on here, I'm not going to discuss in detail at the moment.

 

Advice on proceeding would be appreciated - not proposing at the moment to do anything other than sit tight and wait.

 

Have sent the attached as a response to the LBA so they can't accuse me of ignoring it under Para 4 of the Practice Direction - Pre-Action Conduct.

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Hi Peter I trust you are well.

 

Have they not made contact or issued a annual or mthly Statement or a Notice of Arrears or even asked for payment in 20 months of ownership? I assume the answer will be no:roll:

 

Regards

 

Andy

We could do with some help from you.

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have you moved since the credit was taken out?

 

if you have.

watch IND very closely......

 

they are renound for purposely taking out a claim against your old addreess

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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have you moved since the credit was taken out?

 

if you have.

watch IND very closely......

 

they are renound for purposely taking out a claim against your old addreess

 

dx

 

Hmmm.... isn't that abuse of process?

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Just send them a copy of your section 78 request Peter and a copy of the delivery......respond when you are ready don't worry about their 7 days...did they write to you 7 days before issuing the claim??????

 

NB.Make sure no signatures are on it.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 5 months later...

I cant believe that letter.. arrogant sods..!!

 

They should ensure that any purchase was free from dispute before purchasing.

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  • 1 month later...
Just send them a copy of your section 78 request Peter and a copy of the delivery......respond when you are ready don't worry about their 7 days...did they write to you 7 days before issuing the claim??????

NB.Make sure no signatures are on it

Regards

Andy





hi guys, sorry to interfere but i read in many posts not to sign this kind of communication, but just print your name.
Can you tell me why?
I've kind of lost sleep over it and google was of no help.
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Just send them a copy of your section 78 request Peter and a copy of the delivery...

...respond when you are ready don't worry about their 7 days..

.did they write to you 7 days before issuing the claim??????

 

NB.Make sure no signatures are on it

 

Regards

 

Andy

 

hi guys, sorry to interfere but i read in many posts not to sign this kind of communication,

but just print your name.

Can you tell me why?

I've kind of lost sleep over it and google was of no help.

Thanks

 

so that they can't scan your signature and forge any document using the scan...

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